| PARTICIPLES | Small amounts - about one penny - earned and spent, say? |
| ADAGES | "A penny saved is a penny earned" and others |
| DUELED | American fought for, earned and spent (6) |
| TREADMILLS | A small amount, a very small amount about inside lessons surrounding monotonous routines (10) |
| ACCENT | Beat a small amount, about ten (6) |
| SIBILANT | Is taken aback a small amount about network making hissing sound |
| DUPE | Owed about one penny in trick |
| SPENDING | Despatching about one penny when paying out |
| OFFICER | Perhaps a major bid, about one cent (7) |
| ADAGE | "A penny saved is a penny earned," for one |
| SAVED | A penny ... is a penny earned (5) |
| ISA | A penny saved ___ penny earned: 2 wds. |
| MONEYMAXIM | "A penny saved is a penny earned," e.g.? |
| BADGES | In Brownies, Cubs, Guides and Scouts, cloth items earned and collected in a range of skills/activities (6) |
| INCOME | It can be earned and gross |
| EMERUERAS | You had earned and served out your time (pluperf. sing.) |
| DRBACH | Bacteriologist, physician and pathologist who devised floral health remedies and spent some winters in Cromer in the 1930s (2, 4) |
| OBOL | Old Greeks weighed it and spent it (4) |
| DETERIORATION | Put off the fixed amount, about ten, for decline (13) |
| OVERMUCH | Excessive amount about naughty chum (8) |
